System and method for providing an interactive voice response system with a secondary information channel

ABSTRACT

A call processing system and method for providing a secondary information channel to a caller. Upon reception of a call from a caller to a customer service representative on a primary access channel determine a device (secondary device) associated with the caller that is separate from the device the caller is using for the primary access channel. The secondary device is to be used to provide a secondary information access channel. The secondary information access channel is complimentary to the primary access channel between the caller and the customer service representative and is utilized to deliver information content to the caller and/or provide other services supportive of the conversation with the company service representative.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a Continuation of U.S. patent application Ser. No.17/235,707 filed Apr. 20, 2021, which is a Continuation of U.S. patentapplication Ser. No. 16/532,093 filed Aug. 5, 2019, which is aContinuation of U.S. patent application Ser. No. 16/019,095 filed Jun.26, 2018, which is a Continuation of U.S. patent application Ser. No.14/942,007 filed Nov. 16, 2015, which claims priority to U.S. PatentApplication No. 62/079,646 filed Nov. 14, 2014, which are incorporatedherein by reference in its entirety.

FIELD OF THE INVENTION

Various embodiments of the present disclosure generally relate to calls.More specifically, various embodiments of the present disclosure relateto methods and systems for customizing Interactive Voice Response calls.

BACKGROUND OF THE INVENTION

Customers often call into an organization to receive a status update orthe latest information relating to a service the organization providesor an account the customer holds with the organization. For example,customers may call to request a status of a financial account orinsurance claim. The call may be answered by a customer servicerepresentative or by an Interactive Voice Response (IVR) system.

SUMMARY OF THE INVENTION

The purpose and advantages of the below described illustratedembodiments will be set forth in and apparent from the description thatfollows. Additional advantages of the illustrated embodiments will berealized and attained by the devices, systems and methods particularlypointed out in the written description and claims hereof, as well asfrom the appended drawings.

To achieve these and other advantages and in accordance with the purposeof the illustrated embodiments, in one aspect, described is a callprocessing system and method for providing a secondary informationchannel to a caller. Upon reception of a call from a caller to acustomer service representative on a primary access channel determine adevice (secondary device) associated with the caller that is separatefrom the device the caller is using for the primary access channel. Thesecondary device is to be used to provide a secondary information accesschannel. The secondary information access channel is complimentary tothe primary access channel between the caller and the customer servicerepresentative and is utilized to deliver information content to thecaller and/or provide other services supportive of the conversation withthe company service representative.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying appendices and/or drawings illustrate variousnon-limiting, example, inventive aspects in accordance with the presentdisclosure:

FIG. 1 illustrates an example of an operating environment in accordancewith various embodiments of the disclosure;

FIG. 2 is a block diagram illustrating components that can be includedin an IVR system in accordance with various embodiments of thedisclosure;

FIG. 3 is a flowchart illustrating a set of operations for executing acustomized IVR plan in accordance with various embodiments of thedisclosure;

FIG. 4 is a flowchart illustrating a set of operations for enrolling auser in an IVR system and executing a customized IVR plan in accordancewith various embodiments of the disclosure;

FIG. 5 depicts an example of a user interface that can be used to selectpreferences in accordance with various embodiments of the disclosure;

FIG. 6 illustrates an example of a call flow that may be used inconnection with an IVR system in accordance with various embodiments ofthe disclosure;

FIG. 7 illustrates an example of a set of operations in a call flow thatmay be used in connection with an IVR system in accordance with variousembodiments of the disclosure;

FIG. 8 illustrates an example of a set of operations in a call flow thatmay be used in connection with an IVR system in accordance with variousembodiments of the disclosure;

FIG. 9 illustrates an example of a set of operations in a call flow thatmay be used in connection with an IVR system in accordance with variousembodiments of the disclosure;

FIG. 10 illustrates an example of a set of operations in a call flowthat may be used in connection with an IVR system in accordance withvarious embodiments of the disclosure;

FIG. 11 is a block diagram illustrating components that can be includedin an IVR system in accordance with various embodiments of thedisclosure;

FIG. 12 is a flowchart illustrating a set of operations for call routingthat may be used in accordance with various embodiments of thedisclosure;

FIG. 13 is a flowchart illustrating a set of operations for routingcalls based on qualified events in accordance with various embodimentsof the disclosure;

FIG. 14 illustrates an example of a call flow that may be used inconnection with an IVR system; and

FIG. 15 illustrates an example of a computer system with which someembodiments of the present disclosure may be utilized.

DETAILED DESCRIPTION OF CERTAIN EMBODIMENTS

Various embodiments of the present disclosure generally relate to calls.More specifically, various embodiments of the present disclosure relateto methods and systems for customizing IVR calls.

Methods and systems described in this disclosure allow customers topersonalize their experience when calling into an organization.Customers often call into an organization to receive a status update orthe latest information relating to a service the organization provides.For example, customers may call to request the status of a financialaccount or an insurance claim. In many cases, the customer is forced tolisten to several options and to navigate through an interactive voiceresponse system (IVR) to reach a representative before obtaining theinformation he or she seeks. These time-consuming interactions cancreate a negative impression when the user is seeking informationquickly.

In contrast, various embodiments allow for interactions that can allowfor more efficient call handling and routing. As described herein, theuser may call in, be identified and/or authenticated, and immediatelythereafter be provided with the information that the user seeks withoutnavigating through the typical options. For example, users may call aservice provider to request account balances. Some users may call aboutthis on a regular basis or with enough frequency that providing theaccount balances at the beginning of the call would result insignificant time savings. Such users can be identified by monitoring andtracking the content of calls made by the users in order to recognizeuser patterns that may be used to create customized interactions. Forexample, if a user selects an option to hear account balances above acertain threshold (e.g., 85%) of the calls made to the organization, theuser may be flagged as a potential candidate for the quick accountbalance service that provides a customer's account balances immediatelyafter identification and/or authentication of the user.

Once this pattern is identified, the user may be notified (e.g., viae-mail, phone, targeted advertisement) of an availability of thecustomized IVR experience (e.g. for quick account balance service). Forexample, in some embodiments, the notification may occur when the usercalls in to the IVR system, via an e-mail, via a text message, or anyother method of communication. The user may be asked to enroll orregister for the service if the user would like to receive such service.The organization may gather a variety of information from the userduring the enrollment process. Examples of such information include, butare not limited to, an identification of the accounts the user choosesto hear the balance of (e.g., savings account, checking account, creditcard, car loan, home equity line of credit, or other), an order of theaccount balances (e.g., “first checking, second savings” or “highestbalance first, lowest balance second”), and any other particularpreferences the user specifies. This information may also be gathered,in some embodiments, on a website portal, through a mobile application,or through interactions (e.g., voice, dial pad, etc.) with the IVRsystem.

After gathering this information, the organization may create acustomized IVR plan for the user in accordance with the userpreferences. When the user calls in after enrolling in the customized WRservice, the customized WR plan (e.g., quick account balances) may beexecuted. Thus, after authentication, the user's checking accountbalance will be stated first, then the user's savings account balancewill be stated. After the user's customized IVR plan is executed, theuser may be directed to a main menu or reverted back to a typical IVRcall scenario.

Prior to asking the user if the user would like to be enrolled in theservice, logs may be checked to ensure that the user has not alreadybeen asked or enrolled in the service. In addition, some embodimentsalso track the user's response to previous notifications regarding theservice. In some cases, the system may flag when the last notificationof the service occurred, if any, and whether the user's call habits havealtered. This information can be used to determine (e.g., based onnotification rules) whether and when a new notification should be sent.For example, the user may have recently set up an online account. If theuser has logged in and checked the account online and decreased thenumber of calls, then the organization may choose not to send anotification. In some embodiments, the user may have requested adifferent notification method (e.g., checking an online account tocalling for information).

Thus, in some embodiments, a user can elect to hear the balances of oneor more of the user's accounts without going through a phone menu orasking a representative to do so. After the user dials into theorganization and is authenticated, the organization proactively statesthe user's account balances without an active request from the customer.In some embodiments, users who may benefit from this service areidentified based on the content of the customer's previous or currentphone calls to the organization. In some embodiments, the traditionalnavigational menu may then be presented after completion of thepresentation of the customized information. In other embodiments, theuser may interrupt the customized informational presentation to accessthe traditional navigational menu without having to listen to thecustomized presentation.

The IVR system described herein may further assist with routingcustomers to the correct representative efficiently by providing a“continue the conversation” service. When a customer calls into anorganization, the customer may be asked to provide the subject matter ofthe call. The customer's answer may not be recognized by the system orinterpreted correctly, and the user may be asked to state the subjectmatter of the call a second time, resulting in a potentially agitated orannoyed customer. Many times, when a customer calls into anorganization, the call relates to a previous event or activity thecustomer has been participating in with the organization. As describedherein, when a customer calls into an organization, the organization canmake an educated guess of the subject matter of the call by analyzing anevent log associated with the user and routing the call to arepresentative based on the educated guess. Thus, the methods andsystems disclosed herein improve the routing efficiency of the calls.

For example, if an event log notes that the user is in the process offilling out an online application for a mortgage when the call isreceived, the organization may assume that the user is calling about themortgage application. In some embodiments, the call is directly routedto a representative specializing in mortgage applications. In otherembodiments, the user is asked to confirm with a yes or a no answer thatthe user is calling about a mortgage application (e.g., “Are you callingabout a mortgage application?”). In some embodiments, the user is askedto provide a subject matter of the call, but may be provided specificexamples of what the call is about based on the event log (e.g., “Whatare you calling about? For example you can say ‘mortgage application.”).In this way, the user will know what to say and the organization willhave a better likelihood of understanding the user's request. Then, thecall may be routed to the correct representative, saving valuable timeand money for both parties, and, in essence, “continuing theconversation” with the user.

In an example, a user calls into the organization. After beingidentified (e.g., by a device), and, in some cases, verified (e.g.,verifying a PIN), an event log associated with the user is accessed. Theevent log may include activities or events which the user hasparticipated in with the organization. For example, the event log maydocument events such as applying for a mortgage, browsing automobileinsurance, adding a dependent onto a policy, submitting an insuranceclaim, and viewing an account.

The events in the event log may be analyzed to determine whether any ofthe events may relate to the call. Events that are more likely to relateto the call may be events that took place within a proximity to the callor events with a due date scheduled for the day of the call, forexample. For example, the event log may note a home owner's insuranceclaim resolved three months ago and a request to add a dependent onto anautomobile policy submitted the day before the call was received. Basedon the timeframe and state of the event, the user is likely not callingabout the insurance claim. Therefore, the home owner's insurance claimlikely does not relate to the call. On the other hand, the call mayinvolve adding the dependent onto the automobile policy due to theproximity in time of the activity to the call.

If any events may relate to the call, a confidence level for thepotentially related events may be determined. When the confidence levelthat the event relates to the call falls within a range or meets orexceeds a threshold, the user may be asked to confirm that the event orsubject matter relates to the call. If the user confirms, then the callis directed to the representative in the subject matter area of theevent. If the user does not confirm, the user may be asked to provide asubject matter for the call. In some embodiments, when the confidencelevel that the call relates to the event is extremely high, the call maybe directly routed to a representative in the subject matter area of theevent without requesting a confirmation from the user.

When the confidence level that the call relates to the event is below athreshold (or falls within a second range) but still may pertain to thecall (e.g., the event occurred 25 hours ago), the user may be provided ahint as to the subject matter or event that the call relates to. If theuser takes the hint, then the call is directed to a representative inthat subject matter. If the user does not take the hint, the call isdirected to a representative in a subject matter specified by the user.

The customized WR service and the continue-the-conversation service maywork in coordination with each other. For example, after a user callsand receives information per the customized WR plan, the user may stayon the phone line to inquire about another topic. If the user stays onthe call after the customized IVR plan is executed, the user may berouted to the appropriate representative based on an analysis of thelogged events.

In the following description, for the purposes of explanation, numerousspecific details are set forth in order to provide a thoroughunderstanding of embodiments of the present disclosure. It will beapparent on reading the disclosure, however, to one skilled in the artthat embodiments may be practiced without some of these specificdetails. Additionally, although examples including customizing a IVRexperience for account balances are discussed, systems and methodsdescribed may apply to any IVR customization. For example, embodimentsof this disclosure may be used to create a customized IVR experience forinvestment accounts, stock quotes, insurance claims, bill pay, and otherservices or personal information.

Moreover, the techniques introduced here can be embodied asspecial-purpose hardware (e.g., circuitry), as programmable circuitryappropriately programmed with software and/or firmware, or as acombination of special-purpose and programmable circuitry. Hence,embodiments may include a machine-readable medium having stored thereoninstructions that may be used to program a computer (or other electronicdevices) to perform a process. The machine-readable medium may include,but is not limited to, floppy diskettes, optical discs, compact discread-only memories (CD-ROMs), magneto-optical discs, ROMs, random accessmemories (RAMs), erasable programmable read-only memories (EPROMs),electrically erasable programmable read-only memories (EEPROMs),magnetic or optical cards, flash memory, or any other type ofmedia/machine-readable medium suitable for storing electronicinstructions.

FIG. 1 illustrates an example of a network-based operating environment100 in which some embodiments of the present disclosure may be used. Asillustrated in FIG. 1 , operating environment 100 may includeapplications 105A-105N running on one or more computing devices110A-110M (such as a mobile device, a mobile phone, a tablet computer, amobile media device, a wearable computing device, a mobile gamingdevice, a vehicle-based computer, a dedicated terminal, a publicterminal, desktop, or laptop computer, a kiosk, etc.). In someembodiments, applications 105A-105N may be stored on the computingdevice or may be stored remotely. These computing devices can includemechanisms for receiving and sending traffic by connecting throughnetwork 115 to IVR system 120 and data stores 125 and 130. IVR system120 may include IVR customization platform 135 and IVR routing platform140.

Computing devices 110A-110M may be configured to communicate via thenetwork 115 with WR system 120. In some embodiments, computing devices110A-110M can retrieve or submit information to IVR system 120 and runone or more applications with customized content retrieved by IVR system120 and data stores 125 and 130. For example, computing devices110A-110M can execute a browser application or a customized client toenable interaction between the computing devices 110A-110M and IVRsystem 120, and data stores 125 and 130.

Network 115 can include any combination of local area and/or wide areanetworks, using both wired and wireless communication systems. In oneembodiment, network 115 uses standard communications technologies and/orprotocols. Thus, network 115 may include links using technologies suchas Ethernet, 802.11, worldwide interoperability for microwave access(WiMAX), 3G, 4G, CDMA, digital subscriber line (DSL), etc. Similarly,the networking protocols used on network 115 may include multiprotocollabel switching (MPLS), transmission control protocol/Internet protocol(TCP/IP), User Datagram Protocol (UDP), hypertext transport protocol(HTTP), simple mail transfer protocol (SMTP) and file transfer protocol(FTP). Data exchanged over network 115 may be represented usingtechnologies and/or formats including hypertext markup language (HTML)or extensible markup language (XML). In addition, all or some links canbe encrypted using conventional encryption technologies such as securesockets layer (SSL), transport layer security (TLS), and InternetProtocol security (IPsec). In some embodiments, network 115 can alsoinclude a plain old telephone (POT) network.

IVR system 120 can be running on one or more servers and may include IVRcustomization platform 135 and IVR routing platform 140. IVRcustomization platform 135 may be used to identify candidates forcustomized IVR service, create customized IVR plans, execute thecustomized IVR plans, and other activities. WR routing platform 140 maybe used to analyze event logs, determine where to route a call, generatenotification, and perform a variety of other activities. IVR system 120may be communicably coupled with data stores 125 and 130, and computingdevices 110A-110M and may communicate, access or receive data (e.g.,identification information, tokens, verification information, voiceauthentication services, etc.) from computing devices 110A-110M, serviceprovider 125, and data stores 125 and 130. IVR system 120 may beassociated with a membership organization, and the users may be membersor potential members of the membership organization. The organizationmay be a financial institution and/or an insurance company.

The IVR experience provided by IVR system 120 may be customized and/orrouted for callers based on information received through various userinterfaces running on computing devices 110A-110M or other interactions,communications, and/or other inputs (e.g., e-mails, tokens, and/orcommunications via other channels). IVR system 120 can becalibrated/configured by individual companies or service providers basedon user needs and/or business objectives. In an example, customized WRplans and notification rules may vary by company; the customized IVRplans for a financial services company will be different than thecustomized WR plans for an airline company.

In some cases, the activities and services performed by IVR system 120may include a wide range of activities and services. For example, inaddition to determining an enrollment status, creating and executing acustomization plan, and determining where to route calls, IVR system 120may be configured to monitor calls and call usage from the callers. Acaller profile may be created and used in conjunction with otherprofiles, scores, and/or business practices to determine whether theuser may be interested in enrolling. In some embodiments, IVR system 120includes various data processing and analytic tools that allow for themonitoring and evaluation of users and user information retrieved fromdata stores 125 and 130.

The data stores 125 and 130 can be used to manage storage and access touser data such as call history, registered user devices, useridentifications, voice profiles, token IDs, financial information,authentication history, user preferences, member identification numbers,device fingerprints, personal identification numbers, customized WRenrollment status such as quick balance enrollment status, accountsactivated for quick balance enrollment status, the period of time inbetween notifications, a last notification date, and other information.Data stores 125 and 130 may be a data repository of a set of integratedobjects that are modeled using classes defined in database schemas. Datastores 125 and 130 may further include flat files that can store data.IVR system 120 and/or other servers may collect and/or access data fromthe data stores 125 and 130.

FIG. 2 is a block diagram illustrating components that can be includedin an IVR system such as IVR customization platform 135. According tothe embodiments shown in FIG. 2 , IVR customization platform 135 mayinclude memory 205, processor(s) 210, tracking module 215,identification module 220, notification module 225, enrollment module230, preferences module 235, customized WR plan generation module 240,call receiving module 245, status determining module 250, customized IVRplan execution module 255, and Graphic User Interface (GUI) generationmodule 260. Other embodiments of the present disclosure may includesome, all, or none of these modules and components along with othermodules, applications, and/or components. The modules and componentsillustrated in FIG. 2 may be hardware, firmware, software, or acombination. Some embodiments may incorporate two or more of thesemodules into a single module and/or associate a portion of thefunctionality of one or more of these modules with a different module.

Memory 205 can be any device, mechanism, or populated data structureused for storing information. In accordance with some embodiments of thepresent disclosure, memory 205 can encompass any type of, but is notlimited to, volatile memory, nonvolatile memory, and dynamic memory. Forexample, memory 205 can be random access memory, memory storage devices,optical memory devices, magnetic media, floppy discs, magnetic tapes,hard drives, SIMMs, SDRAM, DIMMs, RDRAM, DDR RAM, SODIMMS, erasableprogrammable read-only memories (EPROMs), electrically erasableprogrammable read-only memories (EEPROMs), compact discs, DVDs, and/orthe like. In accordance with some embodiments, memory 205 may includeone or more disc drives, flash drives, one or more databases, one ormore tables, one or more files, local cache memories, processor cachememories, relational databases, flat databases, and/or the like. Inaddition, those of ordinary skill in the art will appreciate manyadditional devices and techniques for storing information which can beused as memory 205.

Memory 205 may be used to store instructions for running one or moreapplications or modules on processor(s) 210. For example, memory 205could be used in one or more embodiments to house all or some of theinstructions needed to execute the functionality of tracking module 215,identification module 220, notification module 225, enrollment module230, preferences module 235, customized IVR plan generation module 240,call receiving module 245, status determining module 250, customized IVRplan execution module 255, and GUI generation module 260.

Tracking module 215 tracks call history and recent events of the user.In some embodiments, the call history and recent events may be used todetermine whether the user should be presented with an enrollment offerof a customized IVR plan. The customized IVR plans may be static (e.g.,changed only upon user request) or dynamic (e.g., automatically updatedbased on call history and recent events). Customized WR plans maypresent a variety of information to the user when the user calls inwithout requiring the user to navigate through an interactive voiceresponse system (IVR) or call menu. The customized IVR plan may bespecific to the individual. For example, one caller may wish to hear thecaller's account balances. Another customer may wish to hear a status ofhis investments. Yet another customer may wish to hear a status of herinvestments as well as the status of her insurance claim.

Call history may include a percentage of calls in which the user hascalled requesting a specific service, a frequency of calls received fromthe user, etc. When little or no call-in history for the user isavailable, demographic data (e.g., call history of others of similarage, familial status, etc.) may be used while call history for the useris established. Recent events may include events that have occurredwithin a period of time prior to the call or events with an activityscheduled for the time or date of the call (e.g., a closing on aproperty). Recent events may include the submission of an insuranceclaim, the request for insurance, the submission of a loan application,etc. Such events may be associated with frequent user call-in. Forexample, if the user was in a car accident and submitted an insuranceclaim, until the claim is resolved, the user may want to hear the statusof the claim each time the user calls in without having to navigatethrough an IVR menu.

Tracking module 215 may determine when it is appropriate to extend anenrollment offer to the user for customized IVR service. Determiningwhen an offer should be extended may be based on the call history of theuser (e.g., if 80% of the user's calls to the organization request anaccount balance), and/or recent events that may involve frequent updatesare associated with the user (e.g., user submitted an insurance claim).In some cases, tracking module 215 determines the date and time the userwas previously asked and the response the user gave and determineswhether it would be appropriate to ask the user again on the call. Forexample, if the user was asked a period of time ago (e.g., six months,one year, etc.), the user may want to reconsider, particularly ifcircumstances have changed (e.g., the user calls in more often for thesame information, a recent event occurred, etc.). Tracking module 215may provide the enrollment offer information to notification module 225to notify the user of the offer to enroll in the customized WR service.

When a call is received from a user via call receiving module 245,identification module 220 may identify the caller. Identification module220 may identify the user through passive (e.g., without prompting theuser) and/or active (e.g., through user prompts) data collectiontechniques. For example, identification module 220 may identify thecalling device and associate the device with a user. In someembodiments, a phone number, IP address, biometric information, facialrecognition, or a combination thereof could be used to identify theuser. In some embodiments, identification module 220 also verifies theidentity of the user. Verifying the identity of the user may includeverifying a PIN inserted by the user, analyzing a biometric (e.g., voicebiometric), checking the security question answers, verifying alocation, etc. In some embodiments, if a phone number is associated withmore than one user, than the user may not qualify for customized IVRservice.

Notification module 225 may notify the user of an opportunity to enrollin a customized IVR program after receiving an indication from trackingmodule 215 that the user should be presented with an enrollment offer.The notification may be via a text message, email message, phone call,question at the end of a phone call, or any other method. Thenotification may specify what type of information the user can receiveautomatically each time the user calls into the organization (e.g.,account balances, insurance claims, etc.).

After notification module 225 notifies the user, enrollment module 230receives an indication from the user indicating whether the user wouldlike to enroll in the customized IVR service. If the user indicates adesire to be enrolled, enrollment module 225 enrolls the user in thecustomized WR service. As part of the enrollment process, enrollmentmodule 225 communicates the enrollment to preferences module 235.

Preferences module 235 may present customized preferences to the userand receive indications of the preferences for the customized IVRservice from the user. For example, if the user wishes to hear a summaryof the user's account balances, preferences module 235 may present theuser with all of the user's accounts and allow the user to select whichaccounts and in which order the account balances of the accounts shouldbe stated (e.g., type of account, highest balance, etc.). In someembodiments, preferences can be selected online. An example of a userinterface for selecting preferences is depicted in FIG. 5 . In otherembodiments, the user provides preferences during a phone call.

Customized WR plan generation module 240 may generate a customized IVRplan for the user in accordance with the user preferences. Thecustomized WR plan may be executed by customized WR plan executionmodule 255 upon receiving a phone call from the user via call receivingmodule 245.

Call receiving module 245 may receive a call from a user. After the callis received, the caller may be identified by identification module 220.Status determining module 250 may determine an enrollment status of theuser. If the enrollment status of the user is “not enrolled,” then arequest may be sent to tracking module 215 to determine whether the usershould be extended an enrollment offer. If the enrollment status of theuser is “enrolled,” then the customized WR plan execution module 255executes the customized IVR plan to deliver a customized WR experiencefor the user. Delivering a customized IVR experience for the user mayinclude reciting account balances in a specific order, for example,without requiring the user to navigate through a menu.

GUI generation module 260 can generate one or more GUI screens thatallow interaction with a user. In at least one embodiment, GUIgeneration module 260 generates a graphical user interface receivingand/or conveying information to the user. For example, GUI generationmodule 260 may display the user preferences or the enrollment status ofthe user.

FIG. 3 is a flowchart illustrating a set of operations 300 for executinga customized IVR plan. In some embodiments, fewer than all of theoperations are performed, whereas in other embodiments additionaloperations are performed. In some embodiments, the operations in FIG. 3can be used in the operations of FIG. 4 and vice versa. Moreover, insome embodiments, the operations may be performed in different orders orin parallel. The operations can be performed by various components inFIG. 2 such as memory 205, processor(s) 210, tracking module 215,identification module 220, notification module 225, enrollment module230, preferences module 235, customized WR plan generation module 240,call receiving module 245, status determining module 250, customized IVRplan execution module 255, and GUI generation module 260.

Identifying operation 310 identifies candidates for customized IVRservice. The candidates may be identified from a pool of candidates byanalyzing call history, recent events, age, and other factors. Gatheringoperation 320 gathers information to enroll a user in the customized WRservice. For example, gathering operation 320 may collect and create alist of the user's accounts and present the list to the user to selectthe accounts to be included in the customized WR service. Gatheringoperation 320 may receive the user's selections. If the user does notspecify preferences but wishes to be enrolled, default preferences maybe applied.

Creating operation 330 creates a customized IVR plan for the user inaccordance with the user's specified preferences. Executing operation340 executes the customized IVR plan for the user when a call from theuser is received. Executing the customized WR plan may include recitinga status of one or more accounts proactively (i.e., without requiringthe user to navigate through a menu to hear the status).

FIG. 4 is a flowchart illustrating a set of operations 400 for executinga customized IVR plan. In some embodiments, fewer than all of theoperations are performed, whereas in other embodiments additionaloperations are performed. In some embodiments, the operations in FIG. 4can be used in the operations of FIG. 3 and vice versa. Moreover, insome embodiments, the operations may be performed in different orders orin parallel. The operations can be performed by various components inFIG. 2 such as memory 205, processor(s) 210, tracking module 215,identification module 220, notification module 225, enrollment module230, preferences module 235, customized WR plan generation module 240,call receiving module 245, status determining module 250, customized IVRplan execution module 255, and GUI generation module 260.

Monitoring operation 405 monitors calls from users and may create a callhistory or user profile for the user. Monitoring operation 405 may trackfrequency of phone calls, content of phone calls (e.g., what the callrelates to), online activity (e.g., whether this user has an onlineaccount and whether the user uses it). Identifying operation 410identifies candidates for IVR quick account balance service. Thecandidates may be identified as candidates by their call history. Forexample, the candidates may include users who call at least bi-monthlyand for whom an account balance was requested during at least 80% ofthose calls. In some embodiments, users are required to have a uniquephone number to qualify as a candidate to protect sensitive data. Userswho qualify as candidates are sent or notified of an enrollment offer insending operation 415. If the user accepts the offer, the user isenrolled in the customized WR service. If the user chooses not toenroll, the user is not enrolled in the customized WR service. Eitherway, the enrollment status for the user is recorded in recordingoperation 420.

Receiving operation 425 receives a call from a caller and identifies thecaller. The caller may be identified based on the device the user iscalling from (e.g., phone number, device fingerprint, secure browsingsolution, IP address, location, etc.). Decision operation 430 determineswhether the caller is enrolled in the customized IVR service. If theuser is enrolled, decision operation 430 branches to executing operation435 that executes a customized WR plan specific to the user (e.g.,recites the status of the user's accounts, outstanding balances)immediately after identification and/or authentication. After thecustomized IVR plan is executed, the call may be ended or may continueby presenting the user with a menu.

If the user is not enrolled, decision operation 430 branches to decisionoperation 440 that determines whether to notify the caller with anenrollment offer. The decision may be made by analyzing the call historyof the user and determining when the user was last asked, ifcircumstances have changed, etc. If it is determined that the usershould be presented with an enrollment offer, an enrollment offer issent to the user in sending operation 445. In some embodiments, theenrollment offer is made at the end of the call. If it is determinedthat the user should not be presented with an enrollment offer, the callproceeds with a typical IVR experience in proceeding operation 450(e.g., IVR menu requests information from user).

FIG. 5 depicts an example of a user interface 500 that can be used toselect preferences in accordance with various embodiments of thedisclosure. As shown in FIG. 5 , user interface 500 may display theaccounts 505 associated with the user. The user may select the accountsfor which the user would like the balance read by selecting the accountsand saving the preferences selected by the user. To keep the user'sinformation private, the last four digits of the account number can berepresented in the boxes by the account number.

FIG. 6 illustrates an example of a call flow 600 that may be used inconnection with an IVR system. In FIG. 6 , the call flow illustrates anexample of how the call can be routed to initialize or update a quickaccount balance service (i.e., a customized WR service in which accountbalances are recited). Once a call is received and the user isidentified, decision operation 605 determines an enrollment orenablement status for the user.

If the quick account balance service is not enabled, decision operation605 branches to decision operation 610 that determines the currentstatus of the call (e.g., whether the call is at the checking or savingsmenu or at the main menu). If the call is at the checking or savingsmenu, the quick account balance service for the checking or savingsaccount is initialized in initialization operation 615. If the call isat the main menu or the preferences area or menu, the user is asked toselect accounts in select accounts operation 625.

Any other accounts operation 620 determines whether there are anyadditional accounts that could be added to the quick account balanceservice. If so, the user can select accounts in select accountsoperation 625. If there is an error, then the call is routed to routingoperation 640 for the user to exit the call. If there are no additionalaccounts that can be added to the quick account balance service, thecall may be routed to confirmation and wrap operation 630. In somecases, the call may be routed from the confirmation and wrap operation630 to main menu operation 635.

Once the accounts are selected, confirmation and wrap operation 630confirms the accounts for the quick account balance service and routesthe call to main menu operation 635 to hear the main menu or to routingoperation 640 to exit the call or to be routed elsewhere in theorganization. From the main menu, the call may be routed to routingoperation 640 to end the call or to be connected with a representative.Calls can also be routed to a self-service application from Main Menu.

If the quick account balance service is enabled, then the caller canupdate the preferences for the quick account balance service inpreferences operation 645. If the user chooses to select accounts, thecall may be routed to select accounts operation 625. If the user doesnot want to select accounts, the call may be routed to the main menuoperation 635 to continue the call or to routing operation 640 to endthe call or to be routed elsewhere in the organization.

FIG. 7 illustrates an example of a set of operations for adding otheraccounts (such as any other accounts operation 620) that may be used inconnection with a IVR system. The returns in FIG. 7 are returned to anyother accounts operation 620 in FIG. 6 .

Determination operation 705 determines the number of accounts associatedwith the user. If determination operation 705 determines that the userhas only one account, determination operation 705 branches to singleaccount operation 710 that asks the user if the user would like to turnon the quick account balance service for the account. If the userresponds with yes, the quick account balance service is initialized forthe account in initialization operation 715. If initialization operation715 results in an error, return operation 740 returns the call to anyother accounts operation 620. If initialization operation 715 issuccessful, the call is returned to any other accounts operation 620 inreturn operation 745. If the user responds with no, single accountoperation 710 records that the quick account balance service is notinitialized for the account, and the call is returned to any otheraccounts operation 620 in return operation 750.

If determination operation 705 detects more than one account associatedwith the user, then determination operation 705 branches to queryoperation 720 where the user is asked whether the user would like toinitialize the quick account balance service for all of the user'saccounts. If the user responds with yes in response to query operation720, then the quick account balance service is initialized for all ofthe accounts in activation operation 725. If the activation issuccessful, the call is returned to any other accounts operation 620 viareturn operation 755. If the activation is unsuccessful, the call isreturned to any other accounts operation 620 via return operation 760.If the user responds with no in response to query operation 720, thenthe user is asked separately for each account whether the quick accountbalance service should be enabled during individual selection operation730. Once individual selection operation 730 is complete (i.e., thereare no more accounts left), then individual selection operation 730branches to activation operation 735 where the quick account balanceservice is initialized for each account that the user responded with yesduring individual selection operation 730. If the selected accounts aresuccessfully turned on, return operation 765 returns the call to anyother accounts operation 620. If the selected accounts are notsuccessfully turned on resulting in an error, return operation 770returns the call to any other accounts operation 620 In someembodiments, the accounts are analyzed for errors or success on aper-account basis.

FIG. 8 illustrates an example of a set of operations for selectingaccounts such as select accounts operation 625 that may be used inconnection with an IVR system. The returns in FIG. 8 are returned toselect accounts operation 625 in FIG. 6 .

Decision operation 805 determines how many additional accounts areavailable to add to the quick account balance service. If there arenone, decision operation 805 branches to return operation 825 to returnthe call to select accounts operation 625. If there is one account to beadded, the user is asked whether the user would like the account addedin one account operation 810. If the user responds with yes, then theaccount is added to the quick account balance service in activationoperation 815. If adding the account is successful, then returnoperation 830 returns the call to select accounts operation 625. Ifadding the account is unsuccessful, then return operation 835 returnsthe call to select accounts operation 625. If the user responds with noto adding in the account, then the account is not added to the quickaccount balance service, and return operation 840 returns the call toselect accounts operation 625.

If more than one account is detected, then the user is asked whether theother accounts should be added to the quick account balance service inadding accounts operation 820. If the user does not wish to add theadditional accounts, then return operation 845 returns the call toselect accounts operation 625. If the user wants to add additionalaccounts, then return operation 850 returns the call to select accountsoperation 625.

FIG. 9 illustrates an example of a set of operations for updatingpreferences such as preferences operation 645 that may be used inconnection with an IVR system. The returns in FIG. 9 are returned topreferences operation 645 in FIG. 6 . In updating preferences operation905, the user is asked whether the user would like to turn off the quickaccount balance service for all of their accounts. If the user respondswith yes, turn off operation 910 turns off the quick account balanceservice. If turn off operation 910 is successful, return operation 915returns the call to preferences operation 645. If turn off operation 910is unsuccessful, return operation 920 returns the call to preferencesoperation 645. If the user chooses to update preferences in updatingpreferences operation 905, the changes are made, and return operation925 returns the call to preferences operation 645.

FIG. 10 illustrates an example of a set of operations for confirming andwrapping up such as confirmation and wrap operation 630 that may be usedin connection with an IVR system. The returns in FIG. 10 are returned toconfirmation and wrap operation 630 in FIG. 6 . In confirmationoperation 1005, the user is asked to confirm the selections for thequick account balance service. If the user had selected the checkingaccount for the quick account balance service, return operation 1010returns the call to confirmation and wrap operation 630. If the user hadselected the savings account for the quick account balance service,return operation 1015 returns the call to confirmation and wrapoperation 630. If the selections are confirmed, wrap operation 1020wraps up the quick account balance service selections. The call isdirected to a main menu, and return operation 1025 returns the call toconfirmation and wrap operation 630.

FIG. 11 illustrates an example of components that may be included in anIVR system such as IVR routing platform 140. In some embodiments, thefunctionality of the components of IVR system 120 described with respectto FIG. 2 may be included in one or more components of the IVR system120 described with respect to FIG. 11 . According to the embodimentsshown in FIG. 11 , IVR system 120 may include memory 1105, processor(s)1110, interaction module 1115, identification module 1120, event loggingmodule 1125, qualifying event module 1130, confidence leveldetermination module 1135, routing module 1140, confirming module 1145,hint module 1150, and GUI generation module 1155. Other embodiments ofthe present disclosure may include some, all, or none of these modulesand components along with other modules, applications, and/orcomponents. The modules and components illustrated in FIG. 11 may behardware, firmware, software, or a combination. Some embodiments mayincorporate two or more of these modules into a single module and/orassociate a portion of the functionality of one or more of these moduleswith a different module.

Memory 1105 can be any device, mechanism, or populated data structureused for storing information as described above for memory 205. Memory1105 may be used to store instructions for running one or moreapplications or modules on processor(s) 1110. For example, memory 1105could be used in one or more embodiments to house all or some of theinstructions needed to execute the functionality of interaction module1115, identification module 1120, event logging module 1125, qualifyingevent module 1130, confidence level determination module 1135, routingmodule 1140, confirming module 1145, hint module 1150, and GUIgeneration module 1155.

Interaction module 1115 may interact with a user via various channels(e.g., IVR, web portal, mobile application, text message, etc.) usingvarious devices (e.g., mobile phone, laptop, tablet, desktop, landlinephone, kiosk, etc.). During the interaction, one or more events may takeplace. For example, the user may browse for a car, apply for a loan,check account statuses, submit an insurance claim, add a dependent ontoa policy, etc. Upon detecting an interaction, identification module 1120identifies the user. Identification module 1120 may identify the user asdescribed above for identification module 220. Once the user isidentified, events received during the interactions can be logged byevent logging module 1125 in a user profile.

After receiving a call by interaction module 1115, qualifying eventmodule 1130 determines events which may indicate the subject matter ofthe call. Events that may indicate the subject matter of the callinclude events that occurred within a specific time prior to the phonecall (e.g., 24 hours), events that indicate an activity is taking placetoday (e.g., a closing on a house), or other events. For example, if theuser was online filling out a mortgage application with the organizationand the user calls ten minutes later, then the event of filling out amortgage application likely indicates the subject matter of the user'scall. Thus, filling out the mortgage application may be a “qualified”event.

Confidence level determination module 1135 may determine a confidencelevel that the call relates to the qualified event. The confidence levelmay be determined based on proximity in time of the event to the call, anumber of failed login attempts, or other factors. A confidence levelabove or at a certain threshold indicates that the call is very likelyrelated to the qualified event. A confidence level below the thresholdindicates that the call may be related to the qualified event but may becalling in regard to something different. In some embodiments, if thereare two qualified events, the confidence level for both the events maybe below the threshold. When there are no qualifying events, then noconfidence level is calculated or the confidence level is zero,requiring the user to specify the subject matter of the call.

Routing module 1140 can route the call based on the confidence levelreceived from confidence level determination module 1135. If theconfidence level is at or above the threshold, the call may be routed toconfirming module 1145 to confirm that the user is calling in regards tothe qualified event. If the confidence level is below the threshold, thecaller may be given a hint to see if the qualified event (or events) isthe subject of the call. The call will then be routed in accordance withthe confirmed, stated or selected subject matter. In some embodiments,if the confidence level is at an extremely high level of certainty, thecaller may be routed directly to a representative who specializes in thesubject matter of the qualified event without receiving verificationfrom a hint or receiving a confirmation from the user. This may occur,for example, if the user calls while concurrently working on a loanapplication. If no qualifying events are determined, then the caller maybe asked to state or select the subject matter of the call.

Confirming module 1145 receives a qualified event at or above theconfidence threshold from the routing module 1040 and asks the user, ina yes or no manner, whether the user is calling in regard to thequalified event. For example, if the user was filling out a loanapplication ten minutes prior to calling, when the user calls in and isidentified, the user may be asked, “Are you calling about a loanapplication?” If the user confirms that the user is calling in regard tothe loan application, the call is routed to a representativespecializing in loan applications. If the user responds that the user isnot calling in regards to a loan application, the user is asked tospecify a subject matter of the call.

Hint module 1150 receives a qualified event below the confidencethreshold from routing module 1140 and provides a hint of the subjectmatter to the user. For example, if the user was filling out a loanapplication 72 hours prior to the call, the loan application may relateto the call, but may score a confidence level below the thresholdbecause of the time lag between the event and the call. Thus, the usermay be asked, “What are you calling about? For example, you can state‘loan application’ or ‘mortgage.” In this manner, if the qualified eventrelates to the call, the user will be able to quickly verify the subjectmatter. In some embodiments two qualifying events are identified. Inthis case, the hint may state two events for the user, requesting theuser to select a subject. If the user does not verify either of theevents in the hint, the user may be asked to identify a subject matterof the user's call.

GUI generation module 1155 can generate one or more GUI screens thatallow for interaction with a user. In at least one embodiment, GUIgeneration module 1155 generates a graphical user interface receivingand/or conveying information to the user. In some embodiments, a currentactivity or qualified event of the user may be displayed on a screen ofthe representative.

FIG. 12 is a flowchart illustrating a set of operations 1200 forexecuting a customized IVR plan. In some embodiments, fewer than all ofthe operations are performed, whereas in other embodiments additionaloperations are performed. In some embodiments, the operations in FIG. 12can be used in the operations of FIG. 13 and vice versa. Moreover, insome embodiments, the operations may be performed in different orders orin parallel. The operations can be performed by various components inFIG. 11 such as memory 1105, processor(s) 1110, interaction module 1115,identification module 1120, event logging module 1125, qualifying eventmodule 1130, confidence level determination module 1135, routing module1140, confirming module 1145, hint module 1150, and GUI generationmodule 1155.

Logging events operation 1210 logs events from interactions with theuser. Interactions may include applying for a loan, purchasinginsurance, etc. Receiving operation 1220 receives a call from a user.After the user is identified and, in some cases, verified, the user'scall is routed to a representative based on events that were logged inrouting operation 1230. In some cases, the user is asked to confirm orverify the subject of the call. In other embodiments, the call is routeddirectly to a representative specializing in the subject matter of anevent the user is likely calling about.

FIG. 13 is a flowchart illustrating a set of operations 1300 forexecuting a customized IVR plan. In some embodiments, fewer than all ofthe operations are performed, whereas in other embodiments additionaloperations are performed. In some embodiments, the operations in FIG. 13can be used in the operations of FIG. 12 and vice versa. Moreover, insome embodiments, the operations may be performed in different orders orin parallel. The operations can be performed by various components inFIG. 11 such as memory 1105, processor(s) 1110, interaction module 1115,identification module 1120, event logging module 1125, qualifying eventmodule 1130, confidence level determination module 1135, routing module1140, confirming module 1145, hint module 1150, and GUI generationmodule 1155.

Interacting operation 1305 interacts with a user. The interactions mayresult in events associated with the user. For example, the user mayhave viewed an account, traded stocks, purchased insurance, paid off aloan, etc. The interactions may be conducted through one or morechannels (e.g., a web portal, mobile application) over a network (e.g.,landline, wireless network) using any type of device (e.g., phone,desktop, laptop, kiosk).

Logging events operation 1310 identifies and logs events in a profile ofthe user. Receiving operation 1315 receives a call from a user. Afterthe user is identified (e.g., by phone number), and, in some cases,verified, determining operation 1320 determines events that may indicatethe subject matter of the current call so the call can be routed moreefficiently. Events that may indicate the subject matter of the call(i.e., qualified events) may include events that occurred within acertain time period before the call was received or simultaneously withthe call, events in which the user has previously called about, eventsscheduled to occur on the day or at the time of the call, etc.

Decision block 1330 determines whether there are any qualified events.If there are no qualified events, a user is requested to state or selectthe subject matter of the call so the user can be routed to the correctrepresentative in requesting operation 1340. If there is one or morequalified events, determining confidence level operation 1345 determinesthe confidence level that the qualified event is related to the call.The confidence level may be determined by the proximity of the call tothe event. Decision operation 1350 determines whether the confidencelevel that the qualified event is related to the call meets or exceeds athreshold.

If the confidence level does not meet or exceed the threshold, then theuser may be asked to state or select the subject matter of the user'scall, along with a hint that specifies the qualified event in generatingoperation 1355 (e.g., “Please tell me what you are calling about. Forexample, you can say ‘loan application.”). If the user takes the hint indecision operation 1360, the call is routed to a representativespecializing in the subject matter of the qualified event in routingoperation 1365. If the user does not take the hint, the call is routedto the subject matter that the user states or the user is asked torepeat or modify the indication of the call in routing operation 1370.

If the confidence level meets or exceeds the threshold, then the usermay simply be asked to confirm that the user is calling about thequalified event (e.g., yes or no question) in requesting confirmationoperation 1375. Decision operation 1380 determines whether the userconfirmed that the call relates to the qualified event. If the callrelates to the qualified event, then the call is routed to therepresentative specializing in the subject matter of the qualified eventin routing operation 1365. If the call does not relate to the qualifiedevent, then the user is requested to indicate the subject matter of thecall in requesting subject matter operation 1340. In some embodiments,when the confidence level is high, the user may not be asked to confirmbefore being routed to the representative specializing in the subjectmatter of the qualified event.

FIG. 14 illustrates an example of a call flow that may be used inconnection with an IVR system. When a call is received, check dotcomoperation 1405 checks whether the user has logged into or used anaffiliated or organization-owned website with in a period of time (e.g.,past 24 hours). Decision operation 1410 branches to ask web intentoperation 1415 if decision operation 1410 determines that the user hasaccessed the website within a certain period of time. Ask web intentoperation 1415 asks the user whether the user is calling about aspecific activity noted from the website activity (e.g., “Are youcalling about your automobile insurance?”). Prior to asking the userabout the user's intent for calling, the user will hear the user'saccount balances if the user has enabled the quick account balanceservice. The user can ask to have the account balances repeated.

If the user answers yes indicating that the call is related to thewebsite activity, the call is routed to a representative specializing inthe subject matter of the call in routing operation 1420. In someembodiments, if the intent of the call (i.e., subject of the web access)is a particular topic such as homeowner's insurance or a homeacquisition, the user may have to answer additional questions (e.g.,which state the user is located in) so that the correct representativecan be reached. If the user answers no indicating that the call is notrelated to the website activity, the call is routed to asking intentoperation 1425. The user may be asked to briefly describe what the useris calling about (e.g., “Briefly describe what you are calling about.For example, you can say “I want to change my address.”). After the useranswers, the call may be routed to an appropriate representative inrouting operation 1430.

If decision operation 1410 determines that user did not access thewebsite within a certain period of time (or accessed an irrelevantpage), decision operation 1410 branches to asking intent operation 1430,where the user is asked to state the intent of the call. Prior to theuser being asked to state the intent of the call, the user may hear theuser's account balances if the user has enabled the quick accountbalance service. The call may then be routed to the correctrepresentative in routing operation 1430.

In addition, and in conjunction with, the above disclosed illustratedembodiments, further illustrative embodiments include:

High Volume Caller Detection

Detect calls from high-volume callers and optimize call by providing acompany service representative with expected member Q&A to expeditecall. Provide customized menu for high volume caller based on past callrequests (e.g., would you like to know your daily balance, last spend,etc.) to mitigate need of connection to a company servicerepresentative. Customize the hold message to automatically provide thedata that the member is compulsively requesting (e.g., account balance).The customized menu is preferably prepared for any caller based on pastcall requests. A separate company service representative queue may alsobe created for high volume callers.

For instance, and with reference to the aforesaid figures, anillustrative embodiment of the present invention includes a callprocessing system including the IVR system 120 which is configured tomonitor a frequency of call activity for each caller so as to determinereception of a call from a high frequency caller. A high frequencycaller is preferably defined in the IVR 120 as a caller who calls on aperiodic basis based upon precedent behavior. For instance (and not tobe understood to be limited thereto), a high frequency caller may bedefined as a caller who calls: at least three times a week; at least tentimes a month; at least once a day; or at least once every threebusiness days. The IVR 120 then retrieves from memory 125, 130 predictedinformation to be requested from the high frequency caller prior to thehigh frequency caller being voice connected with a company servicerepresentative. The IVR 120 is further configured to provide theretrieved information to the company service representative prior to thehigh frequency caller being voice connected with a company servicerepresentative, such that the company service representative is preparedfor the high frequency caller so as to expedite the call.

It is to be appreciated, the IVR 120 may be configured to determine thecontext of conversations between a caller and a company servicerepresentative and store the determined content to be associated withthe caller in the memory so as to determine future call intents from thecaller. It is to be appreciated the IVR 120 may use predictive analyticson stored conversations relating to a caller to determine the predictedinformation to be requested from the high frequency caller.

Likewise, upon reception of a call from a determined high frequencycaller, the IVR 120 may be further configured to retrieve one or morestored conversations associated with the caller from the memory 135, 140to utilize predictive analytics to determine a predicted intent from thecaller and to then determine the content of the predicted information tobe requested from the caller. The requested content may include, but isnot limited to, an identification of the accounts the user chooses tohear the balance of (e.g., savings account, checking account, creditcard, car loan, home equity line of credit, or other), an order of theaccount balances (e.g., “first checking, second savings” or “highestbalance first, lowest balance second”), and the like.

The IVR 120 may also be configured to provide a notification to thedetected high frequency caller containing content predicted to beresponsive to the predicted caller request prior to the high frequencycaller being voice connected with a company service representative. Suchnotifications may include any type of electronically transmittedmessages, including, but not limited to, SMS, MMS, email and via webpage portal or an application on a portable computer device such as asmart phone or tablet device. Thus proactive notifications (e.g., a txtmessage) are provided to high volume callers, or a predetermined classof callers, to thwart need/desire to contact MSR (call centerrepresentative)—e.g., send message at 8:30 am Monday morning withinformation predicted to be desired.

Concierge Call Center

While waiting in a queue to speak to a company service representative, acaller is provided with the option to use an automated message system toseek an answer(s) to their inquiry without forfeiting their place in aqueue to speak to a company service representative. For instance, if acompany service representative becomes available prior to a callerreceiving a desired automated response, the caller is given the optionto be redirected to a waiting company service representative.Accordingly, the IVR 20 is further programmed to provide an option tothe determined high frequency caller to use an automated message systemto seek requested information without forfeiting a queue position tospeak to a company service representative. The automated message maycontain a menu of different options regarding differing informationpredicted to be requested from the high frequency caller.

Yet another illustrative embodiment may provide a customized message fora high frequency caller prior to the high frequency caller being voiceconnected with a company service representative wherein the customizedmessage contains information predicted to be responsive to a predictedinquiry from the determined high frequency caller to mitigate the needto connect the determined high frequency caller to a company servicerepresentative. The customized message preferably contains informationpredicted to be responsive to a predicted inquiry from the determinedhigh frequency caller.

Multi-Channel Access

Provide a secondary information access channel complimentary to aprimary access channel. For instance, when a caller calls a help line, apush notification may be sent to the caller's smart phone device tocreate secondary information delivery conduit. Predictive analytics arethen preferably utilized to determine when secondary channel is needed.A secondary screen/device may be utilized to verify data accuracy(provide augmented call experience). Thus a multi-channel callexperience is provided enabling a caller to interact with a companyservice representative via capabilities of a smart phone device whilespeaking with a company service representative (e.g., a company servicerepresentative can display graphs and charts and other informationmetrics). For instance, a document exchange may be facilitated between acaller and a company service representative (e.g., member can signdocuments). Secondary conduit could also be used for “express”authorization so a company service representative does not have toauthenticate the caller.

For instance, and with reference to FIG. 1 , it is to be appreciated andunderstood the IVR 120 is preferably configured and determined todetermine reception of a call from a caller 110A to a customer servicerepresentative associated with the IVR 120 on a primary access channelbetween the IVR 120 and the caller's primary device 110A, preferably vianetwork 115. The IVR 120 is further preferably configured and programmedto determine a secondary device 110M associated with the caller that isseparate from the aforesaid caller's primary device 110A. It is to beappreciated the secondary device 110M may consists of one or more theflowing computing devices (preferably having at least a display screen):a smart phone device; a tablet device; a desktop computing device; aninteractive television or display monitor; or an otherwise portablecomputing device. It is to be further appreciated a plurality ofdifferent secondary devices 110M may be associated (registered in memory125, 130) with the IVR 120. The IVR 120 then establishes a secondaryinformation access channel complimentary to the aforesaid primary accesschannel between the caller's secondary device 110M and the WR 120preferably via network 115. Examples of information sent via thesecondary access channel to a caller's secondary device 110M includes(but is not limited to): verifying data accuracy; authenticating acaller (which may include biometrics); authenticating a document;obtaining a caller's digital signature; and provide a document exchangebetween the caller and a customer service representative.

In another illustrative embodiment, the WR 120 is further preferablyprogrammed and configured to determine a content for a conversationbetween the caller and the customer service representative such that theIVR 120 selects a secondary device 110M (if one is determined necessary)from the plurality of secondary devices 110M associated with the callercontingent upon the determined content of the conversation between thecaller and the customer service representative. For instance, if the IVR120 determines the content of the conversation is to include callerauthentication, then the IVR 120 would select a secondary device 110Mhaving biometric functionality to authenticate the caller via afingerprint scanner/reader. In another illustrative embodiment, the IVR120 is further preferably programmed and configured to utilizepredictive analytics to determine when a secondary access channel isneeded contingent upon the determined content of the conversationbetween the caller and the customer service representative. In yetanother illustrative embodiment, the IVR 120 is further preferablyprogrammed and configured to transmit a push notification to a caller'ssecondary device 110M to initiate the secondary access channel. Forinstance if the caller's primary device 110A is a smart phone, a pushnotification is sent to the caller's secondary device 110M (a tabletdevice) to open an application on the secondary device 110M enablinginformation to be displayed which is sent from the IVR 120 via asecondary access channel.

With the aforementioned illustrative embodiments of the presentdisclosure described above, which include various steps and operations,it is to be appreciated that a variety of these steps and operations maybe performed by hardware components or may be embodied inmachine-executable instructions, which may be used to cause ageneral-purpose or special-purpose processor programmed with theinstructions to perform the steps. Alternatively, the steps may beperformed by a combination of hardware, software, and/or firmware. Assuch, FIG. 15 is an example of a computer system 1500 with whichembodiments of the present disclosure may be utilized. According to thepresent example, the computer system includes a bus 1510, at least oneprocessor 1520, at least one communication port 1530, a main memory1540, a removable storage media 1550, a read only memory 1560, and amass storage 1570.

Processor(s) 1520 can be any known processor, such as, but not limitedto, an Intel® Itanium® or Itanium 2® processor(s), or AMD® Opteron® orAthlon MP® processor(s), or Motorola® lines of processors. Communicationport(s) 1530 can be any kind of an RS-232 port for use with amodem-based dial-up connection, a 10/100 Ethernet port, or a Gigabitport using copper or fiber. Communication port(s) 1530 may be chosendepending on a network such a Local Area Network (LAN), Wide AreaNetwork (WAN), or any network to which the computer system 1500connects.

Main memory 1540 can be Random Access Memory (RAM) or any other dynamicstorage device(s) commonly known in the art. Read only memory 1560 canbe any static storage device(s) such as Programmable Read Only Memory(PROM) chips for storing static information such as instructions forprocessor 1520.

Mass storage 1570 can be used to store information and instructions. Forexample, hard discs such as the Adaptec® family of SCSI drives, anoptical disc, an array of discs such as RAID, such as the Adaptec familyof RAID drives, or any other mass storage devices may be used.

Bus 1510 communicatively couples processor(s) 1520 with the othermemory, storage, and communication blocks. Bus 1510 can be a PCl/PCI-Xor SCSI based system bus depending on the storage devices used.

Removable storage media 1550 can be any kind of external hard-drives,floppy drives, (OMEGA® Zip Drives, Compact Disc-Read Only Memory(CD-ROM), Compact Disc Re-Writable (CD-RW), or Digital Video Disc-ReadOnly Memory (DVD-ROM).

The components described above are meant to exemplify some types ofpossibilities. In no way should the aforementioned examples limit thedisclosure, as they are only exemplary embodiments.

TERMINOLOGY

Brief definitions of terms, abbreviations, and phrases used throughoutthis application and the appendices are given below.

The terms “connected” or “coupled” and related terms are used in anoperational sense and are not necessarily limited to a direct physicalconnection or coupling. Thus, for example, two devices may be coupleddirectly or via one or more intermediary media or devices. As anotherexample, devices may be coupled in such a way that information can bepassed therebetween, while not sharing any physical connection with oneanother. Based on the disclosure provided herein, one of ordinary skillin the art will appreciate a variety of ways in which connection orcoupling exists in accordance with the aforementioned definition.

The phrases “in some embodiments,” “according to some embodiments,” “inthe embodiments shown,” “in other embodiments,” “embodiments,” and thelike generally mean that the particular feature, structure, orcharacteristic following the phrase is included in at least oneembodiment of the present disclosure and may be included in more thanone embodiment of the present disclosure. In addition, such phrases donot necessarily refer to the same embodiments or different embodiments.

If the specification states a component or feature “may,” “can,”“could,” or “might” be included or have a characteristic, thatparticular component or feature is not required to be included or havethe characteristic.

The term “responsive” includes completely or partially responsive.

The term “module” refers broadly to a software, hardware, or firmware(or any combination thereof) component. Modules are typically functionalcomponents that can generate useful data or other output using specifiedinput(s). A module may or may not be self-contained. An applicationprogram (also called an “application”) may include one or more modules,or a module can include one or more application programs.

The term “network” generally refers to a group of interconnected devicescapable of exchanging information. A network may be as few as severalpersonal computers on a Local Area Network (LAN) or as large as theInternet, a worldwide network of computers. As used herein, “network” isintended to encompass any network capable of transmitting informationfrom one entity to another. In some cases, a network may be comprised ofmultiple networks, even multiple heterogeneous networks, such as one ormore border networks, voice networks, broadband networks, financialnetworks, service provider networks, Internet Service Provider (ISP)networks, and/or Public Switched Telephone Networks (PSTNs),interconnected via gateways operable to facilitate communication betweenand among the various networks.

Also, for the sake of illustration, various embodiments of the presentdisclosure have herein been described in the context of computerprograms, physical components, and logical interactions within moderncomputer networks. Importantly, while these embodiments describe variousembodiments of the present disclosure in relation to modern computernetworks and programs, the method and apparatus described herein areequally applicable to other systems, devices, and networks, as oneskilled in the art will appreciate. As such, the illustratedapplications of the embodiments of the present disclosure are not meantto be limiting but instead are examples. Other systems, devices, andnetworks to which embodiments of the present disclosure are applicableinclude, but are not limited to, other types of communication andcomputer devices and systems. More specifically, embodiments areapplicable to communication systems, services, and devices such as cellphone networks and compatible devices. In addition, embodiments areapplicable to all levels of computing from the personal computer tolarge network mainframes and servers.

In conclusion, the present disclosure provides novel systems, methods,and arrangements for creating and executing customized IVR plans andautomatically routing calls. While detailed descriptions of one or moreembodiments of the disclosure have been given above, variousalternatives, modifications, and equivalents will be apparent to thoseskilled in the art without varying from the spirit of the disclosure.For example, while the embodiments described above refer to particularfeatures, the scope of this disclosure also includes embodiments havingdifferent combinations of features and embodiments that do not includeall of the described features. Accordingly, the scope of the presentdisclosure is intended to embrace all such alternatives, modifications,and variations as fall within the scope of the claims, together with allequivalents thereof. Therefore, the above description should not betaken as limiting.

What is claimed is:
 1. A call processing method utilizing a memory, anda computer controller coupled to a communications interface, comprising:determining, by the controller, one or more high frequency callers byanalyzing a database of previous recorded calls; determining, by thecontroller, an automated interactive voice response (IVR) for eachdetermined high frequency caller based upon call history of eachdetermined high frequency caller stored in the database whereby the IVRcontains information predicted to be responsive to a predicted inquiryto be asked from the determined high frequency caller; and providing, bythe controller, upon reception of a call from the high frequency caller,the IVR to the high frequency caller prior to the high frequency callerbeing voice connected with a customer service representative.
 2. Thecall processing method as recited in claim 1, further including:determining by the controller, a secondary device associated with thehigh frequency caller that is separate from a device the high frequencycaller is utilizing for the call with a customer service representativebased upon the determined topic of conversation between the highfrequency caller and the customer service representative; and providing,by the controller, communication between the high frequency caller'sdetermined secondary device and the customer service representative. 3.The call processing method as recited in claim 2, wherein thecommunication between the high frequency caller's determined secondarydevice and the customer service representative is complimentary to thecall between the high frequency caller and the customer servicerepresentative.
 4. The call processing method as recited in claim 3,further including transmitting, by the controller, a push notificationto the high frequency caller's secondary device that initiatescommunication between the high frequency caller's determined secondarydevice and the customer service representative.
 5. The call processingmethod as recited in claim 3, further including sending, by thecontroller, information to the high frequency caller's determinedsecondary device to provide a document exchange between the highfrequency caller and the customer service representative.
 6. The callprocessing method as recited in claim 2, wherein the secondary deviceconsists of: a smart phone device; a tablet device; a desktop computingdevice; or a portable computing device.
 7. The call processing method asrecited in claim 2, wherein a plurality of secondary devices areassociated with the high frequency caller.
 8. A call processing computersystem, comprising: a database storing a plurality of previous recordedtelephonic calls associated with a plurality of callers; a controllercoupled to the database and being programmed to: identify high frequencycallers in the database; determine an automated interactive voiceresponse (IVR) for each determined high frequency caller based upon callhistory of each determined high frequency caller stored in the databasewhereby the IVR contains information predicted to be responsive to apredicted inquiry to be asked from the determined high frequency caller;and provide, upon reception of a call from the high frequency caller,the IVR to the high frequency caller prior to the high frequency callerbeing voice connected with a customer service representative.
 9. Thecall processing system as recited in claim 8, wherein the controller isfurther programmed to: determine a secondary device associated with thehigh frequency caller that is separate from a device the high frequencycaller is utilizing for the call with a customer service representativebased upon the determined topic of conversation between the highfrequency caller and the customer service representative; and providecommunication between the high frequency caller's determined secondarydevice and the customer service representative.
 10. The call processingsystem as recited in claim 9, wherein the communication between the highfrequency caller's determined secondary device and the customer servicerepresentative is complimentary to the call between the high frequencycaller and the customer service representative.
 11. The call processingsystem as recited in claim 9, wherein the secondary device consists of:a smart phone device; a tablet device; a desktop computing device; or aportable computing device.
 12. The call processing system as recited inclaim 9, wherein a plurality of secondary devices are associated withthe high frequency caller.
 13. The call processing system as recited inclaim 12, wherein the controller is further programmed to transmit apush notification to the high frequency caller's secondary device thatinitiates communication between the high frequency caller's determinedsecondary device and the customer service representative.
 14. The callprocessing system as recited in claim 9, wherein the controller isfurther programmed to send information to the high frequency caller'sdetermined secondary device to provide a document exchange between thehigh frequency caller and the customer service representative.
 15. Thecall processing system as recited in claim 9, wherein biometricauthentication is used on the determined secondary device toauthenticate the high frequency caller.
 16. The call processing systemas recited in claim 9, wherein the determined secondary device isutilized for data authentication regarding information provided by thedetermined high frequency caller.
 17. The call processing system asrecited in claim 16, wherein the data authentication is authenticationof an electronic signature of the user.
 18. The call processing systemas recited in claim 8, wherein determining an automated IVR includesdetermining a conversation topic for each determined high frequencycaller based upon previous recorded telephonic calls associated with thedetermined high frequency caller.
 19. The call processing system asrecited in claim 18, wherein determining an automated IVR furtherincludes determining a query predicted for each said determined highfrequency caller for each determined conversation topic.
 20. The callprocessing system as recited in claim 8, wherein the controller isfurther programmed to provide the call history of a determined highfrequency caller to the customer service representative prior to adetermined high frequency caller being voice connected with the customerservice representative.